The Leadership Team at Fullerton India

Vishal is the Head of Rural Business at Fullerton India. Under his leadership, Fullerton India’s rural business continues to innovate and contribute at a steady pace. He has executed a multi-pronged approach that is driven by diversification and digitisation.

Vishal joined Fullerton India in March, 2012 from Tata Consultancy Services, where he was the Head of Consumer Operations - India Retail. Previously, Vishal worked with Citibank N.A. handling Distributions Operations, Risk Management and Credit Operations across retail products and Branch Banking. He has also worked with ABN AMRO and Citigroup as the Head of East Collections - Cards.

A Chartered Accountant from the Institute of Chartered Accountants of India, he has over 21 years of experience in Banking and Financial Services across credit cards, consumer banking products, collections and retail banking operations. He is an alumnus of Harvard Business School.

Anil leads the HR function at Fullerton India as Chief People Officer. He believes that our employees are the heart of our business. A significant part of the management’s focus is to support our employees become happier and more effective. This has resulted in a highly engaged workforce whose invaluable contribution consistently delivers superior business results.

Anil has over 35 years of experience in the field of people management and strategic HR consulting. Prior to joining Fullerton India, Anil was leading the Human Resources function across companies such as, Novell Inc. USA, Ashok Piramal Group, Rajesh Wadhawan Group (DHFL Group), Bombay Dyeing and Omkar Realtors & Developers. He is an MBA from NMIMS and also holds a Law Degree from Ruparel’s New Law College. Additionally, he is a gold medallist in Labour Law from Bharatiya Vidya Bhavan, Mumbai.

Arvind is the Head of Treasury at Fullerton India. He is responsible for all liabilities strategy, surplus management and investor relationships. The Treasury has played an important role in maintaining stable, renewable and efficient funding and improved liquidity management.

Arvind has close to 25 years of experience in financial markets across various roles. He has worked in varied organisations including a Primary Dealership Bond Trading firm, a Foreign Bank and a Non-Banking Finance company. Prior to joining Fullerton India, he was associated with Standard Chartered Bank as their Head of Rates Trading before moving on to becoming their Chief Operating Officer – Markets. In his earlier stints, he was associated with ICICI Securities, where he was instrumental in setting up the ‘interest rate derivatives’ desk.

Arvind is an Engineer and an MBA from FMS, Delhi. He is an alumnus of Harvard Business School.

Ekhlaque is the Chief Technology Officer at Fullerton India. As the organisation evolved to become more digital, he has played a key role in leveraging and implementing the latest technologies to drive revenue, reduce cost and improve customer experience.

Ekhlaque has over 22 years of experience, and this extends across having worked in India and overseas. Prior to joining Fullerton India, he was associated with leading brands like GE, where he held various roles, HT Media as group CIO and more recently he has worked with Max Life Insurance as EVP and Head IT.

He is a certified Master Black Belt, an NLP practitioner and a life and executive coach. Ekhlaque is a B.Tech (Manufacturing Science) from IIT Kharagpur and an MBA (Information Management) from SP Jain Mumbai.

Nishant is the Head of Digital Business at Fullerton India. Under his supervision, the organisation has set up its digital business as an independent, standalone vertical and created capabilities to expand beyond conventional segments.

Nishant has over 17 years of experience in Retail and Digital lending with an expertise in building digital journey, business development & sales, credit underwriting, and product development, with a focus on delivering long-term improvement in business growth, profitability and revenue generation. Prior to joining Fullerton India, he was associated with IIFL as Digital Business Head, where he successfully expanded the company's digital footprint from inception.

In his earlier stint, he was associated with leading brands like Tata Capital Limited, as a part of their foray into retail lending and also worked with ICICI Bank. Nishant is a qualified Chartered Accountant & Company Secretary.

Pankaj Malik is the CFO and Head of Strategy Execution at Fullerton India and is a member of the Interim Executive Committee. His responsibilities include corporate strategy, business partnership, planning, accounting, taxation, compliance and corporate governance functions.

Pankaj has over 20 years of experience and worked in various capacities across finance & allied functions. Prior to joining Fullerton India, Pankaj was associated with COLT Telecom (“COLT”), an affiliate of Fidelity international. As their Financial Controller and Company Secretary, he was instrumental in setting up their India operations. In his earlier stints, he was associated with GE Commercial Financial and Motherson Sumi Systems Limited in various capacities.

Pankaj is an alumnus of Harvard Business School. He is also qualified Chartered Accountant, Company Secretary, Cost Accountant and Certified Public Accountant from the State of Colorado, the USA.

Pavan Pal Kaushal is the Chief Operating Officer at Fullerton India and is a member of the Interim Executive Committee.

He is a career banker with over three decades of experience in the financial services sector across several leading global banks and consulting. Prior to joining Fullerton India, Pavan was the Chief Risk Officer at IDFC Bank, and part of the Leadership team. He was variously a Partner with Ernst & Young, Chief Risk Officer at ANZ Bank India and held several senior leadership roles both domestic and international at Citibank. Pavan is a Chartered Accountant and a MBA (Finance).

Rakesh is the Chief Executive Officer of Fullerton India Home Finance Company Limited. He has over two decades of expertise in establishing new and successful businesses, managing large and multi-pronged distribution networks, and developing unique and customer-centric products - all within a robust Risk Management framework. He has also spearheaded Business, Marketing & CSR functions at Fullerton India.

Before joining Fullerton India, Rakesh was the President and Chief Distribution Officer at DHFL. It has been Rakesh’s forte to set up new finance companies and scale up business volumes. In the past, he has held senior leadership roles at organisations, including Capital First, Citi Financial Consumer Finance India Limited and Bank of America.

He is a national rank holder at the Institute of Chartered Accountants of India and a Certified International trainer within Citigroup. He also holds an MBA from the Institute of Management Technology, Ghaziabad and a Bachelors’ degree from Delhi University.

Sanjeet is the Head of Urban Business for Fullerton India. He has been instrumental in revamping the current businesses along with implementing a product expansion strategy, with an aim to add and strengthen the existing business line, in addition to a focus on catering to retail and MSME clients across diverse spectrums.

A startup specialist, he has over 25 years of experience in the Financial Services industry. Prior to joining Fullerton India, he was associated with Tata Capital Limited, where he held several senior positions including - Head for Unsecured Loans and Alternate Channel, COO for Retail Equity & Distribution and Product Head for Retail products. In his earlier stints, he had worked with leading brands like HDFC Bank, Daewoo Motors, Countrywide, Anagram Finance and Gujarat Lease Financing Limited.

Sanjeet holds an MBA from DBIM, South Gujarat University and a Bachelor’s degree in Physics (Honors) from Maharaja Sayajirao University, Baroda.

Sanjiv is the Head of Operations & Customer Service for Fullerton India. His expertise spans across developing and ensuring the necessary Operations policies, procedures and compliances are in place and to ensure effective execution and support to all business units.

He has over 25 years of diversified experience including 20 years in Financial Services in Branch Administration, Credit and Operations. Prior to joining Fullerton India, Sanjiv was associated with DHFL, Deutsche Post Bank Home Finance Limited (Part of Deutsche Post Germany) and BHW Holding AG of Germany.

He holds a Post Graduate degree in Economics and a Post Graduate diploma in Business Management.

Sunil Kaw is the Interim Chief Risk Officer at Fullerton India and is responsible for Policy, Credit Underwriting, Fraud Control, Collections, Operational Risk, Information Security, Collateral Management and Legal Functions. A career banker with 20+ years of experience in the financial services sector across several leading global banks and Non-Bank entities. Prior to joining Fullerton India, Sunil was with Tree House Education in a business role and previously with Barclays Bank India as Credit Head for Retail, Standard Chartered Bank and Kotak Mahindra Prime in several roles across Risk and Business. Sunil is a Science graduate from J&K University , DSM from National Institute of Information & Technology and PGDGM from Emeritus Singapore.